تقييم استجابة بنك التنمية المحلية في الجزائر لمعايير بازل III

الملخص EN

We aim through this article to assess the local development bank's response to the Basel III standards, by studying the extent of its compliance with the regulation 01-14 issued by the Bank of Algeria; Which includes the implementation of the Basel Convention (2) and some aspects of the Basel Agreement (3) in the end of 2014, and its reflection on its solvency, profitability and financial soundness ratios, It was concluded that the Local Development Bank began implementing the content of regulation 01-14 at the end of 2014.

In This year, a decrease in the solvency ratio was recorded compared to the minimum set by the Bank of Algeria (9.

5%), It also configured a Conservation Buffer at a rate of only 0.

38%, but starting from 2015 the Local Development Bank has strengthened its own funds, and this has been positively reflected in the solvency rates, as it exceeded the standard set in the Basel (3) agreement, As well The return of his assets and capital has increased, which indicates On the good employment of resources and the low percentage of bad loans, which reflected positively on its profit and its financial soundness index z-score.

Key words: Basel Convention (3), Capital Adequacy, Local Development Bank.